BeInCrypto Institutional Research: 8 Neobanks Setting Standards for Digital Asset Accessability
Digital-asset neobanking has moved past fundamental crypto entry. The class now covers corporations combining bank-account-style companies — checking, direct deposit, debit, financial savings, and banking partnerships or charters — with native crypto merchandise constructed into the first monetary app.
Best Digital Assets Neobank is a class inside the BeInCrypto Institutional 100, beneath Pillar 1: Retail to Crypto Bridge. The 8 corporations beneath are listed alphabetically and aren’t ranked. A shortlist can be named in May 2026, with the winner introduced at Proof of Talk in Paris on June 2–3, 2026.
Key Facts
- Long listing: 8 corporations throughout bank-chartered neobanks and BaaS, EMI, or VASP-licensed fintechs with crypto built-in into the first banking app
- Initial pool: 18 corporations screened; 8 superior to the lengthy listing, with 3 outreach candidates retained
- Order: Listed alphabetically, not ranked
- Scoring: 30% quantitative knowledge · 50% Expert Council · 20% disclosed firm knowledge
- Criteria assessed: User base, crypto consumer rely, product depth, regulatory licensure, funds and card integration, geographic attain, monetary efficiency, innovation
- Data sources: OCC, FCA, BaFin, DNB, ACPR, MAS, CSSF, NYDFS, BACEN, CNBV, GFSC, MiCA-CASP, SEC EDGAR, audited filings, reserve attestations, on-chain knowledge, PitchBook, Crunchbase, Tracxn
| Firm | HQ | Reach | Top Licensure / Charter | Representative Work |
|---|---|---|---|---|
| Bunq | Amsterdam, Netherlands | 17M+ customers throughout 30+ EEA international locations
2024 web revenue of €85.3M, up 65% yr over yr |
Full Dutch banking licence from De Nederlandsche Bank
EU passporting, MiCA-compliant; UK banking and US broker-dealer licences utilized for in 2025–26 |
Launched Bunq Crypto by way of Kraken partnership in Apr 2025
Offers 300+ cryptocurrencies inside a licensed-bank setting; first-year crypto trades handed €100M |
| Cash App | Oakland, USA
Block, NYSE: XYZ |
59M month-to-month energetic customers in This fall 2025
9.3M main banking actives; $316B complete buyer inflows in 2025 |
Banking by way of Sutton Bank partnership
FDIC-insured checking, direct deposit, Cash Card, financial savings; NYDFS-licensed Bitcoin enterprise |
Launched Proof of Reserves dashboard in Apr 2026 protecting 8,883 BTC
Bitkey self-custody pockets expanded; 5% Bitcoin Back rolled out throughout Cash App Card |
| KAST | Singapore / New York | 1M+ customers throughout 170–190 international locations
About $5B annualized transaction quantity; 150M+ retailers accepted globally |
Holds MSB Canada, MSB US, VASP EU, TCSP Hong Kong
Uses regulated companions together with Bridge, Tazapay, Reap, Fireblocks, BitGo, and Privy |
Closed $80M Series A in Mar 2026 at $600M valuation
KAST Business beta launched in May 2026; safety stack consists of Sardine, Elliptic, ChainPatrol, Vanta, and Scanner.dev |
| Mercado Pago | Buenos Aires, Argentina
Mercado Libre, NASDAQ: MELI |
100M+ customers throughout Brazil, Mexico, Argentina, Colombia, Chile, Uruguay, and Peru by way of MELI ecosystem | Jurisdiction-specific fintech and funds licences throughout Latin America
VASP authorisations for MELI Cripto in working markets |
MELI Cripto expanded to 17 tokens by May 2026
Trading charge minimize to 0.2%; Meli Dólar stablecoin out there throughout Brazil, Mexico, and Chile |
| Nomad | São Paulo, Brazil | 1M+ customers
Brazilian USD-account neobank centered on retail customers and international funding entry |
Brazilian fintech registration
Banking issued by way of Brazilian and US accomplice banks; CVM-regulated funding platform element |
Pioneered XRP Ledger settlement for Brazilian USD funds
Adapting to Brazil BCB Resolution 561, which restricts crypto and stablecoin use in cross-border eFX settlement |
| Nubank | São Paulo, Brazil
Nu Holdings, NYSE: NU |
110M+ prospects
7M+ NuCripto customers; Berkshire Hathaway amongst vital shareholders |
Full Brazilian banking licence from BACEN
OCC US nationwide financial institution department conditional approval; Mexico and Colombia authorisations |
Earn Crypto staking launched in Mar 2026 with Solana promotional yield
NuCripto now helps 20+ property; USDC partnership with Circle deepened crypto entry |
| Revolut | London, UK | 70M+ prospects throughout 40+ international locations as of Jan 2026
2025 income of $6B and revenue earlier than tax of $2.3B |
Lithuanian EU banking licence
UK banking licence, Mexican banking licence, MiCA-CASP authorisation, US constitution in progress |
Reached $75B valuation in Nov 2025 capital increase
Revolut X provides 230+ digital property, staking, low-fee buying and selling, and RWA token listings |
| SoFi | San Francisco, USA
NASDAQ: SOFI |
12.6M members
Q1 2026 income of $1.1B with $166.7M web earnings |
SoFi Bank N.A.
OCC-regulated nationwide financial institution and FDIC-insured depository establishment |
Launched retail crypto buying and selling in Nov 2025
Opened 239,509 crypto accounts in Q1 2026; SoFiUSD stablecoin launched in Dec 2025 |
About This List
The BeInCrypto Institutional 100 — Best Digital Assets Neobank (2026 Long List) identifies digital-first client and SMB banking platforms that mix bank-account-like companies with substantial depth in digital property.
Two structural fashions qualify: bank-chartered direct entities comparable to Bunq, Nubank, Revolut, and SoFi; and BaaS-partnered, EMI-licensed, or VASP-licensed crypto fintechs that combine crypto into the first banking app, comparable to Cash App, KAST, Mercado Pago, and Nomad.
The class doesn’t embody crypto exchanges with cost playing cards added on, self-custody spending playing cards with out banking companies, stablecoin issuers, institutional digital asset banks, defunct crypto banking platforms, or chartered neobanks with out native crypto merchandise.
(*8*)Methodology
This class is evaluated beneath Track B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Expert Council scoring, and 20% disclosed firm knowledge.
Assessment spans seven standards: complete consumer base and crypto consumer rely; crypto and stablecoin product depth; regulatory licensure; funds and card integration; geographic footprint; monetary efficiency and sustainability; and innovation throughout the award window.
Data was verified utilizing regulatory registers, firm filings, SEC EDGAR, audited monetary statements, reserve attestations, Proof of Reserves disclosures, related on-chain knowledge, private-market sources together with PitchBook, Crunchbase, and Tracxn, and mainstream monetary press.
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